Mortgage Constant Table: Mortgage constant by Annual debt service
Reference table of mortgage constant for Mortgage Constant across a range of annual debt service values — exact, engine-computed figures you can read off at a glance.
Mortgage Constant Calculator
Verified formula Updated Jun 2026 Private — runs on your device
Verified formula
Private
Mortgage constant
9.0000%
For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.
How to use the Mortgage Constant Calculator
The Mortgage Constant Calculator works out your mortgage constant in an instant. Enter annual debt service and loan amount and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.
- Enter the annual debt service.
- Enter the loan amount.
- Read off your mortgage constant — the calculator updates automatically, with no button to press.
Formula
The Mortgage Constant Calculator uses the formula:
Mortgage constant = Annual debt service ÷ Loan amount × 100
Worked example
For example, with annual debt service of 90,000 and loan amount of 1,000,000, the mortgage constant is 9.0000%.
| Annual debt service | 90,000 |
|---|---|
| Loan amount | 1,000,000 |
| Mortgage constant | 9.0000% |
|---|
Results are estimates for educational use, not professional advice.
Frequently asked questions
It is annual debt service divided by the loan amount, as a percentage. 90,000 a year on a 1,000,000 loan is a 9% constant.
It expresses the yearly cost of a loan per unit borrowed, helping compare financing and assess property returns.
If a property's cap rate exceeds the mortgage constant, leverage tends to boost returns; if lower, it can drag them down.
Yes. Annual debt service covers both interest and principal, so the constant reflects the full loan payment.
The Mortgage Constant Calculator uses the formula: Mortgage constant = Annual debt service ÷ Loan amount × 100. For example, with annual debt service of 90,000 and loan amount of 1,000,000, the mortgage constant is 9.0000%.
Enter the annual debt service. Enter the loan amount. Read off your mortgage constant — the calculator updates automatically, with no button to press.
Related guides
How to Calculate Mortgage Constant: Formula, Steps & Examples
Learn how to calculate Mortgage Constant — the formula explained step by step, with worked examples and a free calculator to check your answer.